Roswell Beach Tan

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below.Although you have provided a contact obligation, you have yet to provide proof of exactly how you came up with the amount I supposedly owe, and a detailed account of how you came up to that amountDocuments supporting this are again requested Regards,

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint For your reference, details of the offer I reviewed appear below See attached letter for my response Regards, [redacted]

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me Regards, [redacted]

Please see our response attached Thank you, [redacted] ,Compliance Specialist

Cory response received in our office via e-mail on 1/5/

See response attached

I am taking this opportunity to respond to your correspondence regarding [redacted] . I first want to emphasize that Phillips & Cohen Associates, Ltd., prides itself on being respectful and courteous when dealing with members of the public. We provide our specialists with extensive training and... attempt to fully comply with privacy rules and other regulations that impact our industry. We take pride in the fact that our people are extremely sensitive to the issues involved in this type of work and take every precaution to be as respectful as possible. On May 20 2015, our client, Merrick Bank placed the account of [redacted] with Phillips & Cohen Associates Ltd, to recover the outstanding balance of $868.53 on the account ending in “1672”. We have forwarded [redacted] ’s complaint to our client Merrick Bank. We are waiting for instructions from our client and hoping to have a response from them, within the next 10 days. As soon as we receive a response we will forward it to you so that you may send it to the consumer. In any case, we will cease collection until such time as we receive instructions. If we do not receive a response, we will close our file and return it to the client. Phillips & Cohen Associates, Ltd is a member of the ACA International, the premier trade group for our industry, and takes pride in meeting our responsibilities under both state and federal law. While at times we have received inquiries from governmental organizations, we always attempt to respond promptly and courteously. Our desire is to continuously improve and we are striving to be the best in class as a collection agency. As director of Corporate Compliance, I personally train and oversee all associates to ensure adherence to the federal and state regulation o f our industry. If there is anything further that I can provide to assist in this matter, please do not hesitate to contact me at [redacted] . Thank you again for the opportunity to respond to this issue.

October 13, [redacted] Re: File Number: [redacted] PCA reference number [redacted] Consumer Name: [redacted] Dear Mediator [redacted] : Thank you for providing the additional comments from Mr [redacted] This is in response to your request that we provide Mr [redacted] updated information Mr [redacted] is correct, our response was the same as the one filed with the Consumer Financial Protection Bureau via its “compliant portal” on or about June 19, The CFPB reference number is 170619-We then provided our response to the referenced complaint on June 29, Mr [redacted] appears to raise several issues and I will try to address them as follows: 1) That Mr [redacted] does not have a relationship with Phillips & Cohen Associates, Ltd2) That we have not provided validation information, and 3) Calling three times constitutes harassment Regarding the first point, our clients Merrick Bank and PCA Acquisitions V, LLC provided information that Mr [redacted] was a holder of credit cards for those institutionsMr [redacted] disputed those facts, so in turn we referred the dispute back to our clientsWe have ceased all collection efforts, notified the clients, closed the accounts and returned the accounts to our clientsThere will be no further collection efforts from Phillips & Cohen Associates, Ltd Previously we reported that as an agent of Merrick Bank and PCA Acquisitions V, LLC we have a legal right to collect on the debts sent to usWe reported the following information: On or about May 21, 2014, our client, Portfolio Asset Group, which is a trade name for PCA Acquisitions V, LLC., placed the account of [redacted] with Phillips & Cohen Associates Ltd, to recover the outstanding balance on the account ending in “1247” This was a Walmart Credit Card that was issued to Mr [redacted] PCA Acquisitions V, LLC is a related company to Phillips & Cohen Associates, LtdOn May 22, 2014, we sent the initial validation letter as required by U.S.C§1692(g) (The Fair Debt Collection Practices Act.) There was one conversation on or about August 3, 2016, at which time Mr [redacted] indicated he was not aware of the account and then hung up on our agentOur research of the complaint also found a prior account with Mr [redacted] in our system for Merrick Bank; that account was closed and recalled by the client (Merrick Bank) on September 28, Although our review of this complaint confirms our belief that every action of Phillips & Cohen Associates complied with the law and our client’s directives, there will be no further contact with the consumer, [redacted] , by our companyWe believe that Phillips & Cohen Associates has acted compliantly and professionally regarding this matter, nevertheless, we will cease all communication in regard to Mr [redacted] ’s account2) The Fair Debt Collection Practices Act, USC §1692g(a) requires that a collection agency provide a validation notice which must include: (1) the amount of the debt, (2) the name of the creditor to whom the debt is owed; a statement allowing the consumer days to dispute the validity of the debt and, if in writing, the name of the original creditor if different from the current creditorWe provided such information to Mr [redacted] He then asserted that he was not the owner of the debt in questionSince he asserts this is not his debt, he would be a third party whom we incorrectly identified and, therefore not entitled to any personally identifiable information of a third party Since we will not be contacting Mr [redacted] any more regarding this account and have notified our client of the complaint; we believe that Mr [redacted] has achieved the objectives which he expressed in his correspondence to your officePhillips & Cohen Associates, Ltddoes not own the debt and will not assign it to any third partyWe cannot control the actions of our clientsAdditionally, we do not report to any credit reporting agencies and are not a “furnisher” for purposes of the F.C.R.A3) Mr [redacted] further asserts that three calls over an extended period constitutes harassmentWe respectfully disagree and rely upon numerous court rulings that support our positionCourts addressing § 806(5) of the FDCPA have issued various rulings as to what constitutes repeated or continuous callingMany courts are unwilling to find harassment based solely on the number of calls placed by a collector in a given period, and rather, look at the pattern of calls instead of just the frequencyAdditionally, courts have recognized that multiple calls are often necessary to ultimately reach the consumerWe feel confident that our pattern of attempting contact with Mr [redacted] was reasonable and in compliance with the lawFinally, Mr [redacted] questions why I have not responded to him directlyPhillips & Cohen Associates, Ltd(“PCA”) has responded to Mr [redacted] ’s filings with both the CFPB and the State of KentuckyWe have responded promptly and professionally to those inquiriesPCA respects the mediator service of the State of Kentucky’s Office of Consumer ProtectionSince Mr [redacted] opened a complaint file in this forum, it is appropriate to respond through this neutral channel Thank you again for your assistancePlease let us know if you need anything further Respectfully submitted, [redacted]

I am taking this opportunity to respond to your correspondence regarding the concerns expressed by [redacted] . I first want to emphasize that Phillips & Cohen Associates, Ltd., prides itself on being respectful and courteous when dealing with members of the public. We provide our specialists with extensive training and attempt to fully comply with privacy rules and other regulations that impact our industry. We take pride in the fact that our people are extremely sensitive to the issues involved in this type of work and take every precaution to be as respectful as possible. On April 27th 2015 our client, [redacted] placed the account of [redacted] with Phillips & Cohen Associates Ltd, to recover the outstanding balance of $17,814.48 on the account ending in “1000”. We have forwarded [redacted] ’s correspondence to our client [redacted] . In the communication she requested validation of debt and copies of supporting documentation. We have asked the client to forward these copies to our office so that we may send them to her. Until we receive the documentation, we have suspended all activity on the account and Phillips & Cohen Associates, Ltd. will not contact her until we send the documents. In the event that the client cannot provide us with the documents, we will cease all communication on the file. We are waiting for instructions from our client and hoping to have a response from them, within the next 10 days business days. Phillips & Cohen Associates, Ltd is a member of the ACA International, the premier trade group for our industry, and takes pride in meeting our responsibilities under both state and federal law. While at times we have received inquiries from governmental organizations, we always attempt to respond promptly and courteously. Our desire is to continuously improve and we are striving to be the best in class as a collection agency. As director of Corporate Compliance, I personally train and oversee all associates to ensure adherence to the federal and state regulation o f our industry. If there is anything further that I can provide to assist in this matter, please do not hesitate to contact me at [redacted] Thank you again for the opportunity to respond to this issue. Sincerely, [redacted] ***

Please see our response letter and the Cancellation of Judgment

Response to complaint atteched

Phillips & Cohen Associates, Ltdtakes every communication from a consumer seriously and attempts to respond promptly to all complaintsThis is, especially, the case when we receive a communication from the Revdex.comWe apologize for the delay in responding to this particular complaint as there was
additional research required on matters that occurred in We have investigated what transpired and believe that correspondence that we have already sent to the consumer in the form of confirmation of release letters has resolved the complaint *** *** V, Ltdtrading as invenio Financial purchased the debt of Ms*** *** *** *** V, Ltdemployed the services of Phillips & Cohen Associates, Ltdto contact the consumer and attempt to resolve the outstanding issues related to the two accounts referred to in Ms***’s complaint. Both accounts were settled and there is no longer any outstanding balance owed on the accounts Ms*** referenced credit bureau reportingThe consumer appears to believe in error that we are a credit reporting agencyNeither *** *** V, Ltdnor Phillips & Cohen Associates, Ltdreports to the credit bureaus and therefore her concerns related to that issue are incorrect We have already sent her release letters which should demonstrate to any interested party that the obligations have been settledIf she should require any additional documentation, she may call our consumer ombudsman and we will review any additional information that she may be able to provide We offer several methods to contact our Consumer Ombudsman for a consumer's convenience: ** *** *** **
** *** *** Thank you again for working with the consumer to help resolve her concerns. Sincerely, *** ** ***
*** ** *** ***
*** * *** *** ***
*** *** ***
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Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.
See attached letter for my response.
Regards,
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. 
Regards,
[redacted]

Please see our response attached.  Thank you, [redacted] ,Compliance Specialist

This is a response to the additional comments of Mr. [redacted]. In response to his multiple filings with the Revdex.com, The CFPB Portal, and the Kentucky Office of Consumer Protection, we have notified our client of the multiple disputes Mr. [redacted] has listed. Additionally, we have closed our file and will cease contact or attempted contact with Mr. [redacted]   Phillips & Cohen Associates, Ltd. takes every communication from the public. seriously and attempts to respond promptly to all complaints. This is, especially, the case when we receive a communication from the Revdex.com.     Again, thank you for your directing this concern to our attention.

I am taking this opportunity to respond to your correspondence regarding [redacted]. I first want to emphasize that Phillips & Cohen Associates, Ltd., prides itself on being respectful and courteous when dealing with members of the public. We provide our specialists with extensive training and...

attempt to fully comply with privacy rules and other regulations that impact our industry. We take pride in the fact that our people are extremely sensitive to the issues involved in this type of work and take every precaution to be as respectful as possible. On May 20 2015, our client, Merrick Bank placed the account of [redacted] with Phillips & Cohen Associates Ltd, to recover the outstanding balance of $868.53 on the account ending in “1672”. We have forwarded [redacted]’s complaint to our client Merrick Bank.  We are waiting for instructions from our client and hoping to have a response from them, within the next 10 days. As soon as we receive a response we will forward it to you so that you may send it to the consumer. In any case, we will cease collection until such time as we receive instructions. If we do not receive a response, we will close our file and return it to the client. Phillips & Cohen Associates, Ltd is a member of the ACA International, the premier trade group for our industry, and takes pride in meeting our responsibilities under both state and federal law. While at times we have received inquiries from governmental organizations, we always attempt to respond promptly and courteously. Our desire is to continuously improve and we are striving to be the best in class as a collection agency. As director of Corporate Compliance, I personally train and oversee all associates to ensure adherence to the federal and state regulation o f our industry. If there is anything further that I can provide to assist in this matter, please do not hesitate to contact me at [redacted]. Thank you again for the opportunity to respond to this issue.

Please see our response attached. Should I also mail and fax a our response to you?

I am taking this opportunity to respond to your correspondence regarding the concerns expressed by [redacted]. I first want to emphasize that Phillips & Cohen Associates, Ltd., prides itself on being respectful and courteous when dealing with members of the public. We provide our specialists with extensive training and attempt to fully comply with privacy rules and other regulations that impact our industry. We take pride in the fact that our people are extremely sensitive to the issues involved in this type of work and take every precaution to be as respectful as possible.   On April 27th 2015 our client, [redacted] placed the account of [redacted] with Phillips & Cohen Associates Ltd, to recover the outstanding balance of $17,814.48 on the account ending in “1000”.     We have forwarded [redacted]’s correspondence to our client [redacted].  In the communication she requested validation of debt and copies of supporting documentation. We have asked the client to forward these copies to our office so that we may send them to her. Until we receive the documentation, we have suspended all activity on the account and Phillips & Cohen Associates, Ltd. will not contact her until we send the documents. In the event that the client cannot provide us with the documents, we will cease all communication on the file. We are waiting for instructions from our client and hoping to have a response from them, within the next 10 days business days.   Phillips & Cohen Associates, Ltd is a member of the ACA International, the premier trade group for our industry, and takes pride in meeting our responsibilities under both state and federal law. While at times we have received inquiries from governmental organizations, we always attempt to respond promptly and courteously. Our desire is to continuously improve and we are striving to be the best in class as a collection agency.   As director of Corporate Compliance, I personally train and oversee all associates to ensure adherence to the federal and state regulation o f our industry. If there is anything further that I can provide to assist in this matter, please do not hesitate to contact me at [redacted] Thank you again for the opportunity to respond to this issue.       Sincerely,  
[redacted]

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted]and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.Although you have...

provided a contact obligation, you have yet to provide proof of exactly how you came up with the amount I supposedly owe, and a detailed account of how you came up to that amount. Documents supporting this are again requested. 
Regards,